“What differentiates it from the Taikan? A closer look at the interior of the next Porsche Panamera Tuesday, May 10, 2022, 8:30 p.m.
The latest information on the next model of Porsche’s Panamera sports sedan (4-door coupe) has been caught by Spyder7, a scoop site, and we wonder how it will be differentiated from the 4-door Panamera EV. We take a closer look at the interior of the Panamera, along with photos of the car’s interior that we captured.
The first thing one notices when looking at the interior of the prototype vehicle is the absence of a shift lever. If you look closely, you will see a toggle-style shifter similar to the one on the Tycoon on the left side of the infotainment display. However, you will notice that the electric parking brake is located at the top of the prototype, whereas the Tycoon is to the right of it.
It also features the new PCM 6.0 infotainment system and a dedicated screen in the passenger glove box. Also of note is the appearance of an image of the next-generation Panamera on the infotainment display.
The exterior features headlights with newly developed slim four-point DRLs; the C-pillars are completely concealed. On the sides, one can see newly designed door handles and the fueling port, which has been changed from a square to a circle. At the rear, the hatchback shape is also newly designed.
The powertrain of the next model is unknown, but it is certain that it will not be a full EV to differentiate it from the Taikan. It will probably be powered by a more powerful 2.9-liter V-6 and 4.0-liter V-8 gasoline engines with mild hybrid technology. As for the plug-in hybrid E-Hybrid, it will likely be equipped with a larger battery pack to significantly improve EV driving range.
The next Panamera model is expected to debut in late 2023.”
Among the new cars currently on the market, the main models that fall into this range are minicars and compact cars.
For example, the Toyota “”Yaris”” is a good target for the highest grade “”HYBRID Z”” (2,324,000 yen).
The Toyota Aqua also offers the highest grade, while the Sienta, Rise, and Yaris Cross also have multiple grades to choose from.
If you don’t mind a hybrid, you can also consider the Corolla Sport and Corolla Cross.
Other manufacturers include the Nissan Note S FOUR (2,288,000 yen), the Honda Vezel G (2,279,200 yen), the Subaru XV 1.6i-L EyeSight (2,332,000 yen), the Mazda CX-30 20S (2,392,500 yen), and the Suzuki CX-30 (2,370,000 yen). Or the Suzuki Swift Sport with the camera package for all-directional monitor (2,141,700 yen).
In addition, for minicars, the highest grade of almost all models are in the market.
Thus, with an annual income of around 5 million yen, it is likely that you can select a car model that suits your taste from a certain range of choices.
On the other hand, it would be difficult to fit into this line of thinking for domestic cars named “”luxury”” and most imported cars.
Can you reach the Toyota Alphard with an “”average annual income of 5 million yen”” for Japanese people? Can you even aim for a gilded spec? What is different car selection by lump sum & loan?
Harrier or Alphard if you take advantage of a residual value loan?
On the other hand, what if you use a loan?
For an office worker with an annual income of 5 million yen, if bonuses are not taken into account, the face value of the salary is approximately 420,000 yen, and if deductions are deducted and approximately 80% is taken out, the take-home pay is about 340,000 yen.
Since monthly loan payments are limited to about 20% of the take-home pay, 68,000 yen per month is the maximum amount that can be paid without any difficulty.
Thus, a 3-year loan (36 installments) would be 2,448,000 yen, and a 5-year loan (60 installments) would be 4,080,000 yen, which is the maximum amount that can be paid including interest.
However, in reality, option fees will be added and interest rates will also be charged. Taking these factors into account, the entry grade “”X”” (3,597,000 yen) of the “”Alphard”” with a 5-year loan with no down payment would have a monthly payment of 59,950 yen, which would be the maximum line you can consider.
Toyota “”Harrier”” may also be obtainable with a loan!
Another option is to use a residual value loan.
A residual value loan is a loan in which the dealer guarantees the value (residual value) remaining at the end of the contract period (generally 3 to 7 years) at the time of contract, and the user repays the amount other than the residual value in installments.
The percentage of the residual value in the price is called the residual value ratio, which is approximately 50% for 3 years and 35% for 5 years. The residual value percentage is renewed every few months, so it is important to check it carefully when signing the contract.
As mentioned above, if a person with an annual income of 5 million yen can afford a monthly payment of 68,000 yen, a car with a residual value of 50% can be considered for a 3-year loan (36 payments) for 4,896,000 yen or a 5-year loan (60 payments) for 8,160,000 yen.
However, since the interest rate on a residual value loan tends to be higher than that of a regular loan and the interest accrues on the entire vehicle price, the total payment amount tends to be much higher than that of a regular loan.
In addition, there are some caveats: there is a monthly mileage limit, and the vehicle must be returned or remortgaged and settled in cash at the end of the contract period.
However, with a residual value set loan, you can manage to get a Toyota Harrier HYBRID G (4 million yen), which has a relatively high residual value ratio of 55% after three years, with monthly payments of about 61,000 yen on a three-year loan.
And with a five-year loan under the same conditions, a higher grade of the Alphard, for example, could also be considered.
The residual value of the Alphard’s HYBRID SR “”C”” package (5,720,000 yen) is about 55%, but with a 5-year loan, the monthly payment would be about 52,000 yen.
With this amount, even with expensive options, the monthly payment can be kept within a reasonable range.
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The simulation presented here is only an example, and the actual payment will vary greatly depending on each individual’s situation. In addition, both regular loans and residual value loans involve certain risks.
On the other hand, if you consider these risks with a clear understanding of them, you may be able to expand your options.
With the information presented in this article as a reference, you should choose a purchase plan that suits your individual lifestyle.”